Explanation:
A multifactor authentication method uses two or more processes for logon. A twofactor method might use smart cards and biometrics for logon. For obvious reasons, the two or more
factors employed should not be from the same category.

Incorrect Answers:
A: Hard tokens would fall in the same category as smart cards.
C: Swipe badge readers are in the same category as smart cards.
D: Passphrases fall in the same category as password usage.